My intent was two-fold: admit to myself that I already owned everything I needed to keep Connor healthy and happy, and also admit to myself that my spending in that category was out of control in 2017. Oh and #3: Pay off some debt.
How did I end up doing?
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| 2018 is green, 2017 is yellow. |
Turns out, if you give a girl some metrics, she nails it. I spent almost precisely one tenth of what I did the year before. And of what I did spend, 3/4 of it was on the KPG clinic. Cause, you know, if you're going to be videoed by a Dressage magazine and ride for an Olympian, the right outfit is borderline essential spending, c'mon.
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| Looking the part! PC: Leah |
Adding the "necessary" and "unnecessary" tags in Mint helped me realize most of my spending wasn't on big purchases, but was on $20-$50 purchases here and there. In fact, if you take out my top 5 non-essential horse transactions in 2017, the average price of the remaining 24 purchases was only $44! It's amazing how those little "just one more saddle pad" purchases add up over the year.
Using the "necessary" and "unncessary" tags didn't feel burdensome. I'd log into Mint once a week and spend a minute or two tagging the week's purchases. And it ended up helping me rein in my spending in other areas of my life too. Turns out it wasn't just horse stuff that was making my money disappear a little at a time!
The best part of all of this? We paid off both the kitchen and his student loans this year! The kitchen was a certainty but the student loans were a definite stretch goal, so that feels especially good.
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| Noooooo regrets |
In 2019, I'll be increasing my horse show spending again, but the year of cutting back on my non-essential horse purchases has permanently changed my relationship with spending money on "stuff". I learned to be content with what I have, to unsubscribe from all the "SALE!" mailing lists, and how easy it is to let your hard-earned money slip away one $44 purchase at a time. I'm not saying I'll never buy a pair of breeches again, but it probably won't be until my current pairs get holes in them!































